It is not possible to obtain a loan without a proof of creditworthiness through reputable banks neither in Germany nor in the near foreign countries. For banks, proof of creditworthiness, in the form of querying the credit rating entry and through proof of income, is an important element in assessing the applicant’s creditworthiness. Consequently, this credit rating can not be issued or even assessed if no evidence of creditworthiness and financial condition is submitted.
This circumstance is also not negotiable, because after all, banks must secure their credit accordingly. At best, the credit-free credit works when the borrower has a legitimate and liquid guarantor who is appropriately liable to his own income and assets. Here, however, must be considered that in the absence of proof of credit of the borrower then only the income of the guarantor counts.
If this is not an appealing amount available, only a microcredit or microcredit can be taken with guarantors at best.
Many borrowers who are currently not in permanent employment and thus have no income, would like a loan without a credit check. Although various banks can be found as candidates for the loan through a credit comparison, this will never be issued if no proof of income and financial position can be provided.
Where to find a loan without proof of credit?
Lenders always require proof of creditworthiness, as otherwise it can not be expected that the borrower can actually repay the loan. The only situation in which a proof of creditworthiness is obsolete, is a loan from the private sector. In this case, the trust and relationship between borrower and lender outweighs the creditworthiness in most cases, so that even smaller sums are awarded “just as” as a friendly service. Of course, these sums, unless they are a gift, must be repaid in full, but usually without additional interest.
Since the loan is seen in this case as a friendship service, the conditions can also be adjusted relatively freely.
Of course, there are always individual differences, as of course the financial situation of the private lender decides. Of course, many borrowers often shy away from the path to private life, since the question of a loan is of course associated with a certain amount of shame.
As a result, lenders are first and foremost their own partners and family members, as they usually like to help and do not judge negatively about the borrower when he is in financial straits and urgently needs to settle debt with the loan.